California Privacy Rights (CCPA)

Your California Privacy Rights

As a California resident, you have the following rights regarding your personal information:

• Right to Know: Request information about the personal information we collect, use, disclose, and sell
• Right to Delete: Request deletion of your personal information
• Right to Correct: Request correction of inaccurate personal information
• Right to Opt-Out: Opt-out of the sale or sharing of your personal information
• Right to Non-Discrimination: Not receive discriminatory treatment for exercising your privacy rights
• Right to Limit: Limit the use and disclosure of sensitive personal information

Categories of Personal Information Collected

We may collect the following categories of personal information:

Sources of Personal Information

We collect personal information from:

• Directly from you (forms, applications, communications)
• Your devices (cookies, web beacons, analytics)
• Third-party service providers and business partners
• Public databases and records
• Social media platforms

Business Purposes for Collecting Information

• Providing debt relief services
• Processing payments and transactions
• Customer service and support
• Marketing and advertising
• Legal compliance and fraud prevention
• Website operation and security
• Analytics and business insights

Third Parties We Share Information With

We may share your personal information with:

• Debt relief service providers and attorneys
• Financial institutions and creditors
• Marketing and advertising partners
• Technology service providers
• Legal and professional advisors
• Government agencies (when required)

Sale and Sharing of Personal Information

In the past 12 months, we may have sold or shared the following categories of personal information:

• Identifiers (name, email, phone)
• Commercial information
• Internet/network activity information

We do not sell personal information of consumers under 16 years of age.

How to Exercise Your Rights

To exercise your California privacy rights, you can:

Verification Process

To protect your privacy, we will verify your identity before processing your request. This may include:

• Matching information you provide with information we have on file
• Requesting additional identification documents
• Using a third-party identity verification service

Response Timeline

• Acknowledgment: Within 10 business days
• Response: Within 45 calendar days (may extend to 90 days if needed)
• Opt-out requests: Within 15 business days

Authorized Agents

You may designate an authorized agent to make requests on your behalf. The agent must:

• Provide written authorization signed by you
• Be registered with the California Secretary of State (if a business)
• Provide proof of their identity

Non-Discrimination

We will not discriminate against you for exercising your CCPA rights. We will not:

• Deny you goods or services
• Charge different prices or rates
• Provide different levels of quality
• Suggest you will receive different pricing or service quality

Shine the Light Law

California's "Shine the Light" law permits California residents to request information about our disclosure of personal information to third parties for direct marketing purposes. To make such a request, contact us using the information below.

Contact Information

For questions about this California Privacy Notice or to exercise your rights: